Experian: Use Experian Credit Report to Check Your Credit History

Lenders use reports from one or more credit bureaus to check your credit history.  It is important that you obtain a credit report and check it first.  Resolve any dispute (incorrectly reported payment history) with the bureau.

The Experian Credit Report

Experian is the company that was created after TRW left the credit reports business in 1996. 

Experian collects information about your credit history from public records,  your creditors and other reliable sources. They make your credit history available to your current and prospective creditors and employers as allowed by law.

Information Reported by Experian

1. Identifying Information
2. Public Records: Civil actions with dollar amount awarded
3. Trades: Credits and its payment information
4. Payment History: The consumer payment history
5. Inquires: Please refer to Equifax for details

The FICO Credit Score:

The FICO credit sore, an important numeric indicator widely used by lenders,   is calculated with your credit history information.  Please click here for details.

The Top Three Credit History Reports: Equifax, Experian and Trans Union

These are the top three credit bureaus that provide nationwide coverage of consumer credit information:

1. Equifax: Click here for details
2. Experian
3. Trans Union: Click here for details

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